Bally Savings Bank

Bally Savings Bank is headquartered in Bally and is the 195^th largest bank in the state of Pennsylvania. It is also the 6,450^th largest bank in the nation. It was established in 1999 and as of December of 2011, it had grown to 4 employees at 1 location. Bally Savings Bank's savings rates are 73% higher than the national average, and it has a 3-star health rating.

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Bally Savings Bank IRA Rates

Data for Q4 2011

Institution Statistics Bally Savings Bank FDIC Certificate # 34440 BankRate Report View Year Established 1999 Employees 4 Primary Regulator FDIC Assets and Liabilities Assets $47.66 million Loans $20.06 million Deposits $44.08 million Equity Capital $3.48 million Loan Loss Allowance $249,000 Unbacked Noncurrent Loans $923,000 Historic Data - December 2010 Assets $43.97 million Equity Capital $3.13 million Loan Loss Allowance $202,000 Unbacked Noncurrent Loans $669,000 Profit Margin - Quarterly Net Interest Margin 2.19% Return on Assets 0.72% Return on Equity 9.71% Interest Income $1.68 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bally Savings Bank had $923,000 in non-current loans and owned real-estate with $3.73 million in equity and loan loss allowances on hand to cover it. This gives Bally Savings Bank a Texas Ratio of 24.73% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bally Savings Bank held steady from 20.06% as of December 31, 2010 to 24.73% as of December 31, 2011, resulting in a negative change of 23.26%. This indicates that the balance sheet and financial strength for Bally Savings Bank has held steady in recent periods. Deposit Growth In the past year, Bally Savings Bank has increased its total deposits by $3.39 million, resulting in 8.33% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bally Savings Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bally Savings Bank has $47.66 million in assets with $3.73 million in equity, resulting in a capitalization level of 7.83%, which is below average.

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